Zero Percent Credit Cards

A zero percent introductory interest rate credit card is useful for consolidating your existing credit card debt onto one card, buying yourself some time to pay down your debt interest-free. In addition to looking at the length of the introductory period, you should also take a look at the ongoing APR just in case you can't pay off your transferred debt in time. Also, beware of balance transfer fees, which can range from 2% to 5% of the transfer amount. Use the filters below to find the best credit card (some of which are from our partners) for you. Check out NerdWallet's picks for the best 0% interest credit cards to save money on interest payments!

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Showing 1 - 10 of 62  Results
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Credit Card Annual Fee Introductory APRs Ongoing APRs *True Interest Cost dollarsign
Chase Slate Elite Credit Card

Chase Slate®

Show Details
$0 0% Introductory APR for 15 months on purchases and balance transfers. After the introductory period ends, a variable APR of 12.99%, 17.99%, or 22.99%.
12.99%, 17.99%, or 22.99% (V)
6.75%
question

Apply Now

on Chase's
secure website

thumbsupPros
  • No annual fee
  • 0% introductory APR for 15 months on purchases and balance transfers
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months12.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
6.75%
Account Details

  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazin
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • $0 Annual Fee
  • NEW Free Monthly FICO® Score and Credit Dashboard

See complete Chase Slate® details

Union Bank Platinum Edition Visa Card Credit Card

Union Bank Platinum Edition Visa Card

Show Details
$0 Purchase:
0% for 12 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
17.99%
Penalty APR:
29.99%
Cash Adv:
25.24%
7.50%
question

Apply Now

on Union Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months14.99%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
7.50%
Account Details

  • No rewards offered

See complete Union Bank Platinum Edition Visa Card details

Bremer Bank Platinum Credit Card

Bremer Bank Platinum

Show Details
$0 Purchase:
0% for 12 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
20.99%
Cash Adv:
23.99%
7.75%
question

Apply Now

on Bremer Bank's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months15.49%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
7.75%
Account Details

  • No rewards offered

See complete Bremer Bank Platinum details

Bank of America BankAmericard® Visa® Credit Card

BankAmericard® Visa® Card

Show Details
$0 0%* on purchases for 15 billing cycles* and 0%* on balance transfers for 15 billing cycles for qualifying balance transfers*
10.99% - 20.99% Variable* on purchases & balance transfers
7.87%
question

Apply Now

on Bank of America's
secure website
Or call (800) 322-7707

NerdScore, Interest Over 24 Billing Cycles
Intro purchase APR, first 15 billing cycles0.00%
Ongoing APR after 15 billing cycles10.99% - 20.99% Variable on purchases and balance transfers
True Interest Cost, 24 billing cycles effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
7.87%
Account Details

  • 0% Introductory APR for 15 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 10.99% - 20.99% variable APR
  • No annual fee†
  • The perfect card for those seeking a simple yet convenient-to-use credit card
  • Our $0 Liability Guarantee, so you're not responsible for any fraudulent charges made on your account
  • Chip technology for enhanced security at chip-enabled merchant terminals

See complete BankAmericard® Visa® Card details

American Express Amex EveryDay Credit Card

The Amex EveryDay ℠ Credit Card from American Express

Show Details
$0 Purchase:
0% for 15 mos
Balance Transfer:
0% for 15 mos
Min APR:
12.99%
Max APR:
21.99%
Penalty APR:
27.24%
Cash Adv:
25.24%
8.25%
question

Apply Now

on American Express's
secure website

thumbsupPros
  • No annual fee
  • 0% for 15 mos on transfers
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months12.99%-21.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
8.25%
Account Details

  • Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Earn 20% more points: Make 20 or more purchases with your Card in a billing period and earn 20% more points on those purchases less returns and credits. Terms and limitations apply.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
  • You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and limitations apply.

See complete The Amex EveryDay ℠ Credit Card from American Express details

Chase Freedom Credit Card

Chase Freedom®

Show Details
$0 0% APR for 15 months on purchases and balance transfers
13.99% - 22.99% (Variable)
8.62%
question

Apply Now

on Chase's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 15 months
NerdScore, Interest Over 2 Years
Intro purchase APR, first 15 months0.00%
Ongoing APR after 15 months13.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
8.62%
Account Details

  • Named a Best Card for Cash Back by MONEY® Magazine
  • Earn a $100 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 13.99-22.99%
  • 5% Cash Back on up to $1,500 in combined purchases between 4/1/15-6/30/15 at Restaurants, Bed Bath & Beyond®, H&M®, and Overstock.com®
  • You'll enjoy new 5% categories every 3 months like Gas stations, Restaurants and Amazon.com. It's free and easy to activate your bonus each quarter!
  • Unlimited 1% Cash Back on all other purchases
  • No annual fee and rewards never expire as long as your account is open

See complete Chase Freedom® details

First National Omaha Platinum Edition Visa Card Credit Card

First National Omaha Platinum Edition Visa Card

Show Details
$0 Purchase:
0% for 12 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.99%
Max APR:
17.99%
Penalty APR:
29.99%
Cash Adv:
25.24%
9.00%
question

Apply Now

on First National Omaha's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
thumbsdownCons
  • No rewards
NerdScore, Interest Over 2 Years
Intro purchase APR, first 12 months0.00%
Ongoing APR after 12 months17.99%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.00%
Account Details

  • Every purchase results in a funding contribution to the NRA

See complete First National Omaha Platinum Edition Visa Card details

Hancock Bank Visa Classic Credit Card

Hancock Bank Visa Classic

Show Details
$0 Purchase:
0% for 7 mos
Balance Transfer:
1.9% for 12 mos
APR:
12.99%
Cash Adv:
18.00%
9.20%
question

Apply Now

on Hancock Bank's
secure website

thumbsupPros
  • No annual fee
  • 1.9% for 12 mos on transfers
NerdScore, Interest Over 2 Years
Intro purchase APR, first 7 months0.00%
Ongoing APR after 7 months12.99%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.20%
Account Details

  • 1 point per $1 spent on purchases

See complete Hancock Bank Visa Classic details

Discover It Credit Card

Discover it®

Show Details
$0 0% intro APR on purchases and balance transfers for 14 months.
10.99% - 22.99% Variable*
9.58%
question

Apply Now

on Discover's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases and balance transfers for 14 months
  • No foreign transaction fee
NerdScore, Interest Over 2 Years
Intro purchase APR, first 14 months0.00%
Ongoing APR after 14 months10.99%-22.99% Variable
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.58%
Account Details

  • 0% intro APR on purchases & balance transfers for 14 months—then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Over 7,000 cardmembers rated 4.8 out of 5 stars* and J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

See complete Discover it® details

BBVA Compass Visa Signature Credit Card

BBVA Compass Visa Signature

Show Details
$0 Purchase:
0% for 6 mos
Balance Transfer:
0% for 12 mos
Min APR:
9.24%
Max APR:
13.24%
Cash Adv:
22.24%
9.93%
question

Apply Now

on BBVA Compass's
secure website

thumbsupPros
  • No annual fee
  • 0% for 12 mos on transfers
NerdScore, Interest Over 2 Years
Intro purchase APR, first 6 months0.00%
Ongoing APR after 6 months13.24%
True Interest Cost, 2 year effective cost (NerdWallet estimate based on credit worthiness)
dollarsign
9.93%
Account Details

  • 1 point per $1 spent on purchases

See complete BBVA Compass Visa Signature details

* "Annual Rewards" and "True Interest Cost" are NerdWallet estimates and not credit card providers numbers.
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  1. [2013-07-05 00:54:12] - elizabeth sevilla says: more credit unions for balance transfer of 18 months low interest and low balance transfer fees
  2. [2013-07-02 18:31:59] - NerdWallet says: Your best bet is probably the Citi Simplicity, as it currently offers 0% interest on purchases for a full 18 months. That's one of the best offers in the business.
  3. [2013-01-08 16:48:11] - debtfree says: whats the best credit card if I don't want to pay interest on new purchases?
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